Dear All, I've just started investing and at this moment my portfolio consists of 100% VWRD . My target allocation is 80% stocks (the aforementioned VWRD) and 20% bonds. Since I want to avoid paying 30% US dividend tax I suppose i have to work with Irish Domiciled ETF's, but after looking at the lis...

Hi, My apologies for the late reply, my trip took a bit longer than expected. Indeed, the 15% is hidden, so basically I can treat the VWRD as an ETF with a cost of 0.46% and be done with it. Not sure I follow you here. As far as I understand the Expense Ratio (ER) of VWRD is 0.25%, this is calculate...

Hi again, I think you've convinced me. I plan on buying 4 or 5 times a year and it's probably not a bad idea to make of of these buys bonds. This also gives me some time to think about what bonds and what allocation exactly. Indeed, the 15% is hidden, so basically I can treat the VWRD as an ETF with...

Hi BebH65, Thanks for your response. Remember stocks can loose 50% in a year and take several years to rebound, or might not rebound at all. Generally many people advise a minimum of 20% bonds. Those bonds can also be used to buy stock when they are on sale I must admit my preference for just stocks...

Dear All, I'm new to investing and after a couple of months of reading these forums, MMM, jscollins stock series and other investing/FI material I think I'm ready to start. I've done my research, but I'd love to have a second opinion. My situation: - 36 yro Dutch Citizen working in South America, I'...